Living On 980K A Year in Seattle, WA | Millennial Money

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Twitter: @shelbychurch
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[@ShelbyChurch]

BEFORE YOU WATCH: I made this video in the same style as Millennial Money on CNBC because I thought it would be kind of funny to have that same effect! otherwise, I would just talk to the camera normally. (It felt weird to make a “documentary” video about my finances I promise I’m not that obsessed with myself lol) I hope you enjoy getting a behind the scenes look at the finances of myself, and really KZbinrs in general. I really think if I can do it, anyone can - not overnight, but I figured hey, maybe this will inspire someone to start a channel? Anyway, hope you enjoy! It feels very weird to put this info out there but I really appreciate when other KZbinrs do so I gave it a shot!

[@you2bevsgoogle]

Thats not me,i'm introvert 🙈 i start this channel 2006 my interesst are tech diy and repair maybe i start making videos someday

[@eviewesner6231]

I loved it!! Thanks!

[@AshleyAquilina]

Love this & your videos!!!

[@JesseVasquezAirVenture]

Cool vid Shelb, diggin your stuff! Cheers to your successes and being totally obsessed with yourself 😂 JK

[@dancinggrace22MSU]

You nailed the style. Great job!

[@GrahamStephan]

This was SO GOOD. You need to make this a recurring series of the channel - if you produced exactly this on other people /creators / entrepreneurs, it would blow up.

[@tanelipirinen]

When I saw this, the first thought was that I want to see Graham Stephan doing a reaction to this!

[@ShelbyChurch]

Thank you!!

[@ashleyelll]

lol what she literally copied this from a well-known series & you think she should continue copying the series???

[@catherinebugden]

Yes do it

[@DrShubhammalhotra]

Was going to ask you when’s the review coming ? 😂

[@ratherelevated]

"CNBC's never reached out to me, so I just made my own." This is so empowering. Why wait and hope? I loved this.

[@sdouillette]

Lol this is exactly what trademark infringement is

[@user-uq4ly6fp6m]

Thought this was CNBC's program when it popped up on my recommended, didn't realize until she said something lol

[@itsme123669]

So narcissistic as well!

[@katdjordjevic]

This comment is exactly why I’m surprised cnbc hasn’t filed a lawsuit.

[@travisjacobs6068]

@@sdouillette I don't think it's trademarked.

[@alexanderschwarm7755]

This woman radiates joy and happiness she makes her videos so enjoyablel to watch

[@samuelkemeshi]

Honestly! She’s definitely my favorite KZbinr!!

[@MiceAndRatEnrichment]

💯 🎉

[@MiceAndRatEnrichment]

@@samuelkemeshi She’s so authentic and grounded, one of the things that made me subscribe.

[@ericB3444]

Shelby the Sheltie is a Shetland sheepdog, This doggie makes bank.

[@ken-mb5cp]

Doesn’t hurt that she’s young and attractive.

[@dadchurch3055]

Awesome job Shelby! I know how hard you work and how humble you are about your success. So proud of you! -Dad

[@mirandaterrell]

This was one of your best videos. Can part two of this be more about how you save and distribute what you have left over? What I love about you the most is how financially literate you are at a relatively young age. You could be living closer to your means but you live way below them and you always seem to be looking for ways to save more - whether that's by cooking more, not delegating every aspect of your production, etc. I also take my hat off to you for sharing and being so transparent with your life. I've been in tech sales for over 18 years and I live a film worthy life (according to others) but I'm just too private and don't want everyone on the internet to know!

[@fuzzyfacedog]

Exactly my thoughts as well. Shelby is my #1 anticipated-to-watch out of all social media. Always great, uplifting, funny, educational, and intelligent.

[@barif8607]

you and monica seriously make some of the most captivating and informative videos on youtube. y'all deserve every penny and ty for your transparency!!

[@Shelbychurch4L]

I appreciate the love and support on my channel, thank you so much I’ve picked you as a lucky subscriber Please contact me at info above on my name description 😊

[@loufaolla]

Soooo refreshing to see someone young like Shelby who’s all squared away in her financial life with set goals. ❤

[@chriswalter92]

It is always good to have a financial plan. I work with a professional planner and fixed-income strategist. I've come to realize that the key to amassing wealth lies in making sound investments.

[@tahirisaid2693]

Could you kindly elaborate on the advisor's background and qualifications?'.

[@tahirisaid2693]

I just came across her web page, I went through her resume and I must say it was quite impressive. I reached out to her and I have booked a session with her`

[@gracehyde5808]

Been watching for 6 years, it’s been so cool to see your channel grow and change and all of your accomplishments through KZbin!! Keep doing you Shelby ♥️

[@ShelbyChurch]

Thanks for watching all this time Grace!

[@cupofrice]

One of the realest KZbinrs out there, thanks for breaking boundaries Shelby and congrats on the success!

[@kazamlovesmusic]

I’ve been following you and Monica since your hauls in your bedrooms and gymnastic DIYL, so it’s so cool seeing how well you both are doing and I feel like a proud parent watching ! Thank you for being you and not afraid to speak out about things! ❤

[@youknowwithMartyKauffman]

Now I’m even more excited to see Graham‘s reaction video to this

[@mfnannygram]

Well done, Shelby! Great content and editing on this video. Love your grounded, practical approach and happy for your success!

[@LifeasThea]

I LOVE this video! Appreciate your transparency. You’re amazing! Been following for years and your growth has been astounding! Love how you have stayed true to you and what your passionate about creating too!

[@DavidNkwa]

You definitely work so hard Church, you deserve the success. Keep going, you inspire lots of us

[@MichaelSaves]

Congrats, Shelby! You put in the work and deserve it.

[@jennifermoody5289]

Awesome video Shelby! Your videos are so engaging and it's clear how hard you've worked to achieve this level of success. Owning your house outright is an incredible goal! You should consider saving enough to pay cash for a home so you don't have to worry about interest rates at all.

[@ShelbyChurch]

Thank you! I worked super hard on it! It would be amazing to do that

[@RealestDave]

I'm so glad to finally see an honest KZbinr who is against the 30 year mortgage, living debt free is the worthiest goal Peace of mind and flexibility comes first, always. I resonate 100%, Shelby's videos are super enjoyable

[@higreentj]

Interest rates are more likely to fall than rise. It is better when you own your own home.

[@CHEFPKR]

This was some great insight. The presentation was tops as well. I can very much see the food bill add up in Seattle, so much good food.

[@carlisleemily]

I’m obsessed with how well you edited this video!! Love your transparency it’s why you’re one of my fav KZbinrs

[@KevinYang]

It's so refreshing to see more smart financial habits and awareness nowadays! Awesome video! And coming from someone also living in Seattle, the savings on state taxes is a major point!

[@xItsJustRickix]

I have been a subscriber since you were in high school and you and Monica were doing make up tutorials and hair tutorials - it's literally crazy to see you grow on this entire journey and i think in a crazy industry you really found who you are! you improve every single video and you just are so unique and yourself that its so lovely to see your success!! all to say, this was a great video :)

[@CarolinaRizzotto]

Thank you for being so transparent about everything! This is a great educational video.

[@taylorcarter1161]

DAMN! The quality and transparency of this video. Bravo Shelby! Very impressed 👏

[@JoshBurnsTech]

Awesome job producing this video! Watched the entire thing and loved it.

[@ourbackyardgarden]

Shelby you did a great job on this video. We love all of your videos but this one was next level in format. It encourages me to keep going as we grow our tiny channel. Keep up the good work you are an inspiration!!

[@aznpridebuhhd]

Always always look forward to your videos and click them so fast because they’re great quality!

[@amyvan8447]

I love this! Watched it all the way through and enjoyed each moment. Love the transparency!

[@behniwal08]

I'm so glad you did one of these videos! Your channel is one of the handful I trust to be 100% truthful and transparent.

[@ShelbyChurch]

Thank you for watching!!

[@jancarlson2165]

So proud of how well you've done!! Keep on girlie!! 😊❤ Love ya❤

[@qMermaidq]

I love how DIY you are! Home renos, being your own editor, everything. It’s awesome!

[@MoreNadia]

Honestly one of my favorite videos, thanks for being so transparent

[@alexbonacci8668]

Really enjoyed this video! As a current college student, I love getting to see a glimpse into to other peoples lives and how they achieved success! It really helps me in my goal setting for the future.

[@stevenjuan259]

Taking the first step is the hardest, but 7 house later living off passive income since June 6, 2016. You’ve got to start taking steps to achieve your goal.

[@donwhizz7880]

Thanks for your response but how do I get access to your financial consultant? Can you share more info about him if you don’t mind.

[@emilysmith5287]

my coach is "Jackson sten marsh". is highly qualified and experienced in the financial market.

[@Mathew-bp5bm]

Wow!!! I know and I have been growing with him since 2018. His expertise has been the best for my financial journey. I have created a passive income over the years and life feels really better and easy for me. I feel so delighted to read these good reviews about him

[@nathanjane7729]

That's a good decision if you start now. I invested in Stocks or Gold coins with the help of a Fin. consultant and was able to buy my second house last year September and hope to buy more if things keep going smoothly for me.

[@donwhizz7880]

Thanks for this tip. his web popped up on google immediately I searched him up. I read him resume and it seems pretty. I wrote him and I’m waiting on him reply.

[@ChaiTimeDataScience]

As a long term fan and viewer of your amazing content, it's always great to see little snippets of your success. Thanks for another amazing video!

[@VivianFabiolaV]

Thanks for sharing, it really helps motivate others! Also congrats on all your successes!

[@AndreiJikh]

Really cool video, thanks for sharing, been watching your channel for a while!

[@nottheone582]

You two should collab!

[@brandtc.7991]

Thank you for being so open all the time with your finances! You really do make great content!

[@ShelbyChurch]

I appreciate that! Thank YOU for watching!

[@emmanuelgoodluck9013]

@@ShelbyChurch hi Shelby why don’t you try making a course on how to make a documentary style video

[@PierceJordan]

Yooooo this video was awesome! Love the transparency. You for sure need to make this a series on the channel.

[@sandy949]

Love seeing all your travels! Thank you for sharing with us!!

[@humphrey]

you are killin it!

[@ShelbyChurch]

Thanks Humphrey!! You are too!

[@alexandratracey8252]

It’s so nice to hear that you’re getting paid your value. You make some of the most visually interesting videos on YT, even your vlogs are shot well. You’re a natural story teller. Love all your content!😊

[@ww3k]

Props for being super hardworking and having the DIY mindset. COngrats on your success! Been following you for a while. Very inspirational!

[@ItsKimJava]

Loved this format and always appreciate your transparency! Thanks for inspiring!

[@ShelbyChurch]

Thanks Kim!!

[@ianaholiva]

you are a storyteller, shelby! i love what you doooo 🫶🏻

[@sak_5]

Congrats Shelby! I just simply love your videos, the tone of your voice, how well articulated you talk, how down to earth you are despite the great success you have and the stories you produce make me disconnect from the hustle and bustle of the day.

[@ShelbyChurch]

Thank you so much that is so so kind

[@ericB3444]

If you want to disconnect do magic mushrooms.

[@kathyoliva6966]

Enjoyed this and I learned from you! Really appreciate your very thorough videos on airport lounges and travel! THANK YOU !

[@cliffercrombie]

All of your videos are insightful, informative, and entertaining - a great joy to watch. You deserve all the success!

[@Lianne459]

It’s very educational for the young people that watch these videos to understand the value of saving and budgeting for the future. I’m older and my generation never discussed this so openly.

[@jutperry]

Thanks Shelby. I love watching your videos. Been a long time viewer. What I appreciate the most is your genuineness and transparency. Not because viewers have a right to know more, but because you enjoy sharing what you know with others. Thanks again!

[@stevenlilelogistics6673]

Thanks for all your hard work Shelby. Always love the content. God Bless till next time.

[@gladisbarrera.24]

Love your videos. They are filled with so much valuable info. Thank you for being transparent

[@wineguy2246]

Appreciate that you didn’t use $1m as the thumbnail which you easily could have just to get clicks. I’ve always been impressed with what a hard worker you are. You totally deserve this and i hope it continues for you.

[@jalyassin]

I agree with you 100% about the psychological benefit of being mortgage-free. My husband and I paid off our first home in 5 years and now our second home in two years. It makes us feel that no matter what happens we have a home. It's a wonderful feeling.

[@MC-kl5mp]

Shit houses or so rich it doesn’t matter

[@brookelynn4455]

Ok I need tips & details if you dont mind! Do you have high incomes? Low home prices? Are you just super savers who are great with money? Also what tips to get started or pay off your first property

[@jalyassin]

@@brookelynn4455 Of course I don't mind! I'm very flattered, thank you:) Our incomes are very average (under 80,000 each). We live in smaller cities where properties are reasonably priced and we prioritize this in the sense that we will forgo vacations, limit going out, think carefully about every penny spent, etc. We even opted for a TINY wedding when we married to put the money our parents gifted us towards the home.

[@brookelynn4455]

@@jalyassin thank you so much for the reply! I'll definitely consider this moving forward

[@laurynunez1806]

I love this video! I find myself running to check if you have a video available, you are not just a “youtuber” You are amazing documenting things and I love consuming your content ❤️❤️

[@Nicole.Sisson]

Love your content Shelby!! I've never seen Millennial Money but really enjoyed this style of video. You've accomplished so much. Thanks for sharing. ❤️

[@roryandsage]

I’m only half way through so far and this video is exceptional 🙌🙌🙌🙌 This is going to be a big one!! 🙌

[@ShelbyChurch]

Thank you!!

[@jalyassin]

You did such a good job with this Shelby! If you hadn't said it wasn't 'real' I wouldn't have guessed. You deserve every penny of income and every once of success you have. You're creative, hardworking and incredibly entrepreneurial. You are the kind of person that makes america what is supposed to be!

[@pedrozatravel]

Thank you for for being so open, it is very inspiring

[@PajaPrikazska]

Amazing video, Shelby, love your transparenty, editing, you Are a true inspiration

[@TheCarlaProject]

Love your work ethic and transparency thanks for the inspiration!!!

[@gingin1050]

I appreciate your info❣

[@lucaswu4811]

I LOVE your videos, Shelby!!! I have been a subscriber for years, and you give awesome financial advice to young people. Keep being you!!! ❤

[@claireevans4797]

I love your transparency - especially on Air BnB - so helpful & gives a heads up on what to look out for & unexpected costs. Thank you.

[@bonXID]

Congrats Shelby! I was guessing you were making $500-600k just on what I see you spend, but this is great. And I totally agree on paying off a mortgage. My house is paid off and it's so freeing. I'm not a finance expert but imo there are plenty of other ways to leverage money and keep it more liquid

[@sabrinakingsley798]

Congratulations Shelby. You are truly inspirational and I watch all your vlogs.

[@blueberry1856]

OMG, I loved that video! so creative and very informative! Thanks! And I also like your video cuts, the effort you put in is amazing. Honestly I actually learn a lot from your videos, like how to cut and do b-roll, so thanks for that too!

[@Dyno08]

Thanks for sharing this shelby. Ive been looking to start a channel and this gave me some serious motivation. keep up the good work!!!

[@xlasvegan7x]

To be so financially set and stay hard working takes an incredible amount of descipline. Very admirable.

[@TravelingwithKristin]

You nailed the style! I totally thought it was a CNBC video. Cool to see that you still edit your own videos! I also spend $800-1k on food per month and the same amount on travel. 🤭

[@jubbles01]

This was so well done and informative! You deserve every dollar for how much effort you put into your work 🎉

[@ketotwins]

Love these transparent videos Shelby, they are very inspiring for us! -Emily

[@highflyingdesignuk]

So inspiring! Would love to see more personal finance videos like these! Thanks Shelby! Have a fab weekend 🌻

[@ShelbyChurch]

Thank you! I definitely am planning some more! Hope you have an awesome weekend too :)

[@Bardish]

Shelby, trust me, you won't like property tax :D I am paying more or less my previous rent in property tax since I bought my home. Ofc it being your home makes you feel more secure though!! And yes, no mortgage all the way. Buy it with cash.

[@ShelbyChurch]

Ugh yes my property taxes went up in Palm Springs 😅 so I feel that!!

[@1300mer]

Went up in San Diego too. Million dollar home will easily be $20k/year taxes in California! With the current federal tax laws the write-offs for real estate are not what they used to be… And that’s not even talking about how they might start doing appraisals more frequently to raise it even more.

[@shaebrown9370]

It’s the price you pay for living in cities. If you live out in the middle of nowhere like I used to you really are free but maybe a little socially isolated. I think we all start building our own little communities in remote places. It’s what people used to do.

[@calnoot7765]

As always, really appreciate the transparency. This is super inspiring!

[@ShelbyChurch]

Thanks for watching!!

[@blahblahblahstuff1]

Love the transparency!! It’s time to destigmatize talking about money!!❤️❤️

[@CaseyBurnsInvesting]

Nice. No state tax too. Miss my hometown sometimes. It’s a beautiful place.

[@theelizabethanway]

This is absolute goals, well done Shelby!! 🎉 I am always so impressed with your channel and your work.

[@Courtney-Alice-Gargani]

I love your breakdown on your expenses. Thank you for sharing.

[@curlyhairlove]

LOVE that you made this video and were so transparent Shelby! It shouldn’t be such a taboo thing to talk about income but videos like this help create space for that conversation and it’s so important. I’ve followed you since the early ~beauty guru~ days and as a fellow video producer/editor I’m so inspired by your work and what you’ve built with your channel! Can’t wait to see where it takes you next. 💗

[@Shelbychurch4L]

I appreciate the love and support on my channel, thank you so much I’ve picked you as a lucky subscriber Please contact me at info above on my name description 😊

[@cosmeticscameo8277]

it just reminds the viewers that she is winning you are not.

[@fashionfantasies]

Honestly, I am a subscriber since foreeeeeever and I have to say: YOU DESERVE THIS SO MUCH! :) And it's so motivating, too! I started KZbin when I was 16 in Germany and I kinda lost my spark transitioning into a corporate & playing it safe. But I started again this year with a channel in english to full fill my dreams. Not to catfish here, just wanted to say as a long-time subscriber that especially Videos like this are so so so motivating and that its never too late to chase your dreams! Much love from germany, maike

[@ShelbyChurch]

Thank you for such a kind comment!! I’m so happy you’re getting back into it 🙌🏻

[@emmacolseynicholls1]

I really loved this video and appreciate the full transparency. It's so inspiring. And great advice from Graham, I would love to see more video's like this of your story and of other creators.

[@enhunter82]

Loved this! Thanks for being so open and honest sharing your life!

[@ericB3444]

She’s not doing you a favor she’s making money.

[@Courtney-Alice-Gargani]

It's very smart of you wanting to buy a house and not worry about a mortgage. I did so well in stocks in 2020 to 2021 that I paid my house cash and still have money left over. I'm glad my house is paid off. You could easily pay a house cash in other states besides CA & WA.

[@ItsSquallyWally]

WOW!! I love love love this style of video! I think it's so funny that you made your own malenial money episode 😂 this was so inspirational and good freaking job you're doin it!! I was a bit discouraged about keeping on making KZbin videos because the momentum is not that fast yet but this was so inspirational I wanna make more! Thank you❤🎉😊

[@snoopypanza]

Thanks for being so open about your finances @shelby learned so much about what goes on behind the scenes ❤ appreciate it and would love more insights, super interesting!! Hope this gets 1m+ views!

[@rtobx]

A fabulous documentary and thank you for your honesty & transparency... how refreshing it is to see one sharing this kind of information with anyone interested at such a young age. :) Prepayment of mortgage principle is a sure fire way to pay off your mortgage early. Print out a copy of your amortization schedule. Add any amount of money to your current payment each month, equal to or greater than next months principle and you will pay off your mortgage in half the time or less. Adding next months principle to each payment is the same as paying an entire payment (P&I) at the bottom of your amortization schedule. Cheers!

[@harryjamessmithmusic7762]

Living on 1K a year here in the Czech Republic. Millennial Money. (unemployed; with a PhD degree with honors).

[@johnpoldo8817]

What discipline is your PhD? If it’s Russian Politics, $1K is appropriate. However, if it involves AI, you could make 150x more in USA.

[@taylorhansum]

As a fellow 28 year old on the west coast this is very motivating to see how you’re doing. Thanks for being transparent and sharing!!

[@ZacsMoneyFAQs]

This was the best episode of Millennial Money that I've ever seen! CNBC could learn a thing or two from you. Thank you for sharing! I really enjoyed this video! I think your channel is under appreciated and I love your videos! I learn so much from them! Also, I had no idea that Washington had no state income tax. I thought it was only Nevada that did that. Once again, thank you for sharing! This was a great video!

[@taylorm3870]

Amazing video Shelby! Appreciate the transparency as always. Looking forward to many more years of Shelby comtent!! ❤❤

[@Rebecca.Robbins]

Oh Shelby!!! ❤❤❤ I’m so proud of you! You are my daughters age so I feel almost maternal towards you. What a great job you have done! ❤

[@ShelbyChurch]

Thank you Rebecca!!

[@syedmudassarhassanshah3585]

Wonderful video sister 🎉

[@poundkingforex]

I love Shelby so unique the way she speaks melts me down so much value.

[@TheIncredibleCulp]

The music, the typography, the b-roll, the story arc -- perfection. Great execution Shelby!

[@pearlstella]

This was AMAZING Shelby, loved both the content and how you did the video! Also huge congrats on taking home just about $1 million (bf taxes), that's mindblowing!!! I'm a tinyyy KZbinr, and it's so inspiring following your success🤗 Also YES would love more personal finance content😃

[@ShelbyChurch]

Thank you!!

[@xxrstiann]

Shelby you are a #studentoflife thank you for sharing your thoughts, personal experiences and journey. I like watching your channel because you demonstrate genuine interest and eagerness to learn new skills & create a better life for yourself independently!!! Thank you for the motivation ! Cheers from San Diego, CA ☀️

[@nathanyoder4509]

Congrats on a successful channel! I really look forward to watching your videos every week.

[@happytomeetyou2047]

First time watching any of your videos. Thank you for sharing your story, and your journey.

[@absolute0rez]

I’m in Seattle rn making less than minimum wage… I can’t imagine making that much and I’ll probably never know what it’s like to be stable and not worry about where I’m going to sleep. But it’s nice to imagine

[@cosmeticscameo8277]

don't it will drive you nuts one day